Privacy Policy

We collect information you directly provide to us, including your name, email address, phone number, and postal address when you create an account or contact us. This also includes any financial goals, preferences, or information you choose to share through our learning programs.

We automatically collect information about how you interact with our platform. This includes pages visited, time spent on different sections, click patterns, and which educational resources you access most frequently. We also collect technical information like your IP address, browser type, and device information.

When you use our financial tracking tools or connect external accounts (with your explicit permission), we may collect transaction data, account balances, and spending patterns. This information is always encrypted and handled with the highest security standards.

We may send you educational newsletters, financial tips, and updates about new features that could benefit your financial journey. You can opt out of marketing communications at any time by clicking the unsubscribe link in any email or contacting us directly. Essential account-related communications will continue even if you opt out of marketing messages.

We work with trusted third-party service providers who help us operate our platform, process payments, send communications, and provide customer support. These partners are contractually bound to protect your information and can only use it for the specific services they provide to us.

When you choose to connect external financial accounts or use integrated financial services, we may share relevant information with authorized financial institutions. This sharing is always done with your explicit consent and through secure, encrypted channels that meet banking industry standards.

We may disclose your information when required by law, such as responding to valid legal processes, protecting our rights and property, ensuring user safety, or investigating potential fraud. In such cases, we'll only share the minimum information necessary to address the specific legal requirement.

All data transmission to and from our platform uses SSL/TLS encryption. Your personal and financial information is stored using AES-256 encryption, and we regularly update our security protocols to address emerging threats. Our systems undergo regular security audits and penetration testing by independent security firms.

Access to your personal information is strictly limited to authorized personnel who need it to provide services or support. All team members undergo background checks and sign confidentiality agreements. We use multi-factor authentication and regular access reviews to ensure only appropriate personnel can access sensitive data.

We maintain secure, encrypted backups of your data to ensure continuity of service. These backups are stored in geographically separate locations and are subject to the same security measures as our primary systems. Regular recovery testing ensures we can restore your data quickly if needed.

To exercise any of these rights, contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and may need to verify your identity to protect your privacy. Most account information can be updated directly through your account settings on our platform.

Account information and educational progress data are retained while your account is active and for up to 7 years after account closure to comply with financial services regulations. Marketing preferences and communication history are retained for 3 years after your last interaction. Financial transaction data, where applicable, is retained for the periods required by financial regulations, typically 5-7 years.

As a UK-based company, we primarily process and store data within the United Kingdom and European Economic Area. When we use service providers outside these regions, we ensure appropriate safeguards are in place, including standard contractual clauses approved by regulatory authorities and adequacy decisions where available.

Essential cookies are necessary for basic platform functionality, like keeping you logged in and remembering your security preferences. Analytics cookies help us understand how you use our platform so we can improve it. Preference cookies remember your settings and customizations. Marketing cookies, which you can opt out of, help us show you relevant educational content and measure the effectiveness of our communications.

You can control cookie settings through your browser preferences or our cookie management tool available in your account settings. Disabling certain cookies may limit some platform functionality, but core educational features will remain available. We'll respect your choices and won't use cookies you've declined.